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“Highest in Investor Satisfaction with Full Service Brokerage Firms, Three Years in a Row.”

Must be a new client who does not have a Charles Schwab & Co., Inc. ("Schwab") account (other than a Stock Plan
Services account). For taxable accounts, the account must be maintained at Schwab for at least one year or Schwab
may charge back the Bonus Award.

Stand-alone High Yield Investor Checking accounts do not qualify, but will when combined with a brokerage account.

Must enroll in the Referral Bonus Award.

The Bonus Award will be deposited to the enrolled account within approximately one month of account open.

The offer is limited to one per account, with no more than one account enrolled per client.

The offer is not transferable, saleable, or valid in conjunction with certain other offers and is available to
U.S. residents only.

Employees, contractors, or persons similarly associated with Schwab or a Schwab affiliate; their spouses; and
employees of any securities regulatory organization or exchange are not eligible.

Consult with your tax advisor about the appropriate tax treatment of the Bonus Award before enrolling in the
offer. Any related taxes are your responsibility. For taxable accounts, the value of all Schwab offers received will
be reported as Other Income on your Form 1099-MISC if, when combined with Other Income earned, the value totals $600
or more during the calendar year. Recent IRS guidance may impact your ability to make more than one IRA to IRA
rollover in a one-year period.

Schwab reserves the right to change the offer terms or terminate the offer at any time without notice.
Schwab may decline requests to enroll in the offer at its discretion. Other restrictions may apply. Schwab may
decline requests to enroll in the offer at its discretion.

Charles Schwab received the highest numerical score in the J.D. Power 2016–2018 Full Service Investor Satisfaction
Study. 2018 study based on 4,419 total responses from 18 firms measuring opinions of investors who used full-service
investment institutions, surveyed November–December 2017. Your experiences may vary. Visit jdpower.com.